Personal Banking : Checking
Efficient Checking
- Available to individuals who want a no cost, no fee checking account that earns interest**
- Minimum to open $100.00
- No minimum balance
- Free Visa Debit Card
- Free Online banking
- Free E-statements
- Bill Pay Available
- ATM fees refunded*
- Unlimited ATM withdrawals
*ATM fees up to $20.00 per statement cycle will be refunded if requirements are fulfilled.
** Interest Rates are variable and subject to change
Additional Options
- Automatic Savings Plan Option
- Sweep Feature Available
- Direct Deposit Option
Requirements
- At least 10 debit card (CREDIT) transactions per statement cycle
- Accept electronic delivery of statements by maintaining a valid email address
- Have at least one ACH (direct deposit or direct debit) applied to your account each month
- Maintain a valid email address
Free Checking
- Available to individuals who want a no frills checking account
- Minimum to open $50.00
- No minimum balance
- Free Visa Debit Card
- Free Online Banking
- Free E-Statements
- $3.00 for Monthly paper statement with Check Images
- Unlimited Check Writing
- Unlimited ATM Withdrawals
Additional Options
- Automatic Savings Plan Option
- Sweep Feature Available
- Direct Deposit Option
Plus Point Checking
- Available to individuals who want an extra plus to their checking
- Minimum to open $100.00
- To avoid a Monthly Maintenance Fee of $10.00 a $1000.00 Minimum Balance or $2000.00 Average Monthly Balance must be maintained.
- Free E-Statements with Images or Free Paper Statement with Images
- Interest Paid Monthly - See us for Current Rates
- Free Debit Card
- Free Online Banking
- Unlimited Check Writing
- Unlimited ATM Withdrawals
Additional Options
- Automatic Savings Plan Option
- Sweep Feature Available
- Direct Deposit Option
Founders and Golden Checking
- Available to individuals 50 years of age and older who want extra special checking
- Minimum to open $100.00
- $5,000.00 combined average monthly balance in your checking, savings, money market account, or Time Deposits to avoid monthly maintenance fee
- $10.00 monthly maintenance fee if average monthly balance falls below $5,000.00
- Free E-Statements with Images or Free Paper Statement with Images
- Interest Paid Monthly - see us for current rates
- Free Debit Card
- Free Online Banking
- Free - One Box of personalized, wallet style checks per year
- Free Money orders, cashier's checks and traveler's checks
- Unlimited Check Writing
- Unlimited ATM withdrawals
Additional Options
- Automatic Savings Plan option
- Sweep Feature Available
- Direct Deposit Option
Connections Checking
- Available to Employees of Austin County State Bank Business Customers enrolled in one of our Business Accounts
- Minimum to open $100.00
- $250.00 Minimum Daily Balance
- $5.00 monthly maintenance fee if balance falls below $250.00
- Free E-Statements with Images
- $3.00 for Monthly paper statement with Check Images
- Free Debit Card
- Free Online Banking
- Free - One box of personalized, wallet style checks per year
- 3 Free Money orders and 3 Free Cashier's Checks per month
- Unlimited Check Writing
- Unlimited ATM withdrawals
Additional Options
- Automatic Savings Plan option
- Sweep Feature Available
- Direct Deposit Option